Best Life Time Free Credit Cards India

Life Time Free Credit Cards means
” If you are a credit-worthy customer, the bank may offer you a lifetime free Credit Card, which means no joining or annual fees. Finance charges: This is the interest the bank charges if you settle your outstanding Credit Card bills after the statement due date.
Eligibility for a lifetime free credit card in India
- Eligibility for Lifetime Free Credit Cards in India as below
The Issuer and depends on factor like income, Credit Score, employment status, and spending habits. Here are the typical details and requirement.
Eligibility Criteria:
- Age : Generally Age between 21 to 60 years
- Income : Minimum Stable Income either salaried person or self employed , as required by the Bank
- Credit Score : Credit Score require 700 or above is preferred by most of Issuers
- Employment : Must have a stable services or regular income sources
- Existing Customer: Banks may offer life time credit card to existing account holder with saving account, loan and Fixed Deposits.
2. Common Benefits :
- No Annual Fee : Means no Renewal fee or maintenances are charged for life
- Reward Programs : Cash Back, reward points or discount on purchases
- Joining offer : Complimentary vouchers, welcome bonuses, and additional benefits like movie tickets are perks that some credit cards and other services offer. These benefits can be used for movies, events, music shows, plays, and recreation sports
- Additional Benefits : Allowances, benefits, compensation package, employee benefit, extra, fringe benefit, perquisite, plus, and privilege
Top popular Life time free Credit Card in India
1. FIRST Milllennia Credit Card (IDFC FIRST BANK)
- Joining and Annual Fees NIL
- Interest Rates/Annual Percentage Rate (APR) From 0.75% to 3.65% Per Month (9% to 43.8% per annum)
- Cash Withdrawals : (Across domestics and international ATMs) 0% Interest for 45 Days ( Rs. 199 + GST Per Transation)
- 1% Fuel surcharge waiver
- 25 % off on movie ticket
- Joining benefits : Rs.500 Gift voucher from your favorite brand
- Up to 1000 cash back on your first EMI
- Earn up to 3x reward point on your spend
2. Finbooster Credit Card (Yes Bank credit) :
Eligibility criteria :
- Between 21 and 60 years of age
- Salaried or self employed
- Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 L
Existing YES BANK Credit Cardholders are not eligible for this card
Fees and charges:
- Zero First Year Membership Fee
- Zero Renewal Membership Fee
- Interest Rate of 3.99% per month (47.88% annually) (Effective from 01st Dec’24), Interest Rate of 3.80% per month (45.6% annually) (Valid till 30th Nov’24) on Revolving Credit, Cash Advances and Overdue Amount.
- Utility Charges:
A charge of 1% + applicable GST will be applicable on all utility transactions on Spends above INR 15,000 in a month. Fee capped at Rs.3000 in a month.9 - Education Fee payment Charges (applicable from 1st October’24 onwards):
1% fee +applicable GST will be levied on education transactions done through third-party websites and applications including (but not limited to) CRED, PhonePe, Housing.com, No-broker, Cheq etc. in a calendar month. Fee capped at INR 5,000 per calendar month10
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